top of page

Logos Loans
Your mortgage. Explained Properly.

Your dedicated lending expert putting your needs before banks

What are you looking to do?

Whether you're buying your first home, refinancing, or looking at investment opportunities, we'll help you understand your options and navigate the process from start to settlement.

First Home

Understanding your borrowing capacity, deposit requirements and next steps to help you navigate your first property purchase.

Next Home

Whether you're moving up, downsizing or buying before selling, we'll work through the numbers to find the right path for you.

Refinance

Your circumstances may have changed. We'll review your existing loan to see if it still makes sense for your current financial position.

Invest

Looking at your next investment property? We'll look at your borrowing position and potential lending options to help you plan your portfolio.

Access Equity

Want to renovate, invest or make another major purchase? We'll look at how your existing property may fit into your next financial plan.

Something More Complicated?

Self-employed, multiple properties, company or trust income, or simply unsure where you fit? We'll talk through your situation.

Why Logos Loans

(01)

(02)

Straight Answers

We explain things in plain English. If something matters, we’ll explain why.

More Choice

(03)

Personal Service

(04)

We compare lending options from a range of lenders to find what suits your circumstances.

You deal with a real person who knows your situation and your goals.

Long-Term Support

The relationship should not end the day the loan settles. We stay with you beyond settlement.

How the Process Works

01

We talk

Tell us what you’re trying to achieve. We’ll start with a conversation to understand your goals and circumstances.

02

We work through the numbers

We’ll look at your income, commitments, deposit, assets and goals to build a clear picture of your borrowing position.

03

We compare your options

We identify suitable lending options and explain the important differences so you can make an informed decision.

04

You decide

We’ll help you understand the recommendation, but the decision remains yours. We’re here to guide you through it.

05

We manage the process

From application through to approval and settlement, we’ll keep things moving and help you understand what happens next.

Work out your borrowing power

This is an estimate only. Actual borrowing capacity depends on lender assessment and your individual circumstances.

Annual income

$150,000

Total existing debt

$120,000

Available credit card limit

$10,000

Deposit amount

$200,000

Estimated borrowing capacity

$1,250,000

Samuel, Sydney mortgage broker, helping clients understand their home loan options

Hi, I’m Samuel

I’m a mortgage broker, but more importantly, I’m someone who believes you should actually understand the loan you’re taking out. My background in healthcare sales taught me that good advice starts with listening, asking the right questions and explaining complicated things simply. Whether you’re buying your first home, refinancing, investing or dealing with a more complicated situation, I’ll help you work through the options without the jargon.

SAMUEL

Client Stories

“Sam made the process completely clear. I didn’t need to understand the jargon to know what was best for me.”

Alex M. — First Home Buyer

“For an investor, the clarity on loan structures was invaluable. We found a better rate than we thought possible.”

Julian R. — Property Investor

“My business income was complex. Sam handled the paperwork with absolute precision and explained everything.”

Sarah L. — Self-Employed

As first home buyers, we weren’t sure what we could afford or whether we could even get into the Sydney property market. Sam took the time to explain everything to us and helped us understand what our options were.

He got our pre-approval sorted quickly and worked with us every step of the way. When we found a property, he helped us through the approval process and we were able to purchase through the government scheme.

What could have been a really stressful and lengthy process was made so much simpler with Sam’s help. We’re extremely grateful for his guidance and support from start to finish.

Rebecca and Eli — First Home Buyers

I was really struggling with multiple loans and repayments on my home and had previously been told by another broker that there wasn’t much they could do to help me.

Sam took the time to understand my situation and found a way to restructure and refinance my existing loans. The result was a saving of $1,238 a month on my repayments, which has made a huge difference.

I’m so grateful for the time, effort and guidance throughout the whole process. Sam made something that felt really stressful and complicated much easier to understand.

Steff — Refinance

We came to Sam unsure about what we could realistically afford and needing to find a home fairly quickly. As Jessica is self-employed, we had previously been told that getting a loan would be difficult and that our options would be limited.

Sam took the time to sit down with us, understand our situation and what we were trying to achieve. He found a lender that suited our circumstances and helped us maximise our borrowing capacity while making sure everything went smoothly throughout the process.

We’re absolutely over the moon to now have our own home in Sydney. We couldn’t be happier with the help and guidance we received from Sam from start to finish.

KG and Jessica — Complex Lending

Expert Mortgage Guides

How Much Can I Borrow?

(Borrowing Capacity Guide • 2026)

Understanding LVR & LMI

(First Home Buyer Guide • 2026)

Refinancing Your Loan

(Investor & Upgrader Guide • 2026)

Frequently Asked Questions

What does a mortgage broker actually do?

We compare lending options from a range of lenders and help you understand the differences, so you can make an informed decision about what suits your circumstances.

How much does a mortgage broker cost?

We work for you, not a bank. Our fees are typically a percentage of the loan amount, and we can provide a clear breakdown of all costs involved in the process.

Do I need a deposit before speaking to you?

No. You don’t need to have everything figured out before you call. Our first conversation is simply about understanding where you’re at and what you’re trying to achieve.

Can you help me if I’m self-employed?

Complicated does not necessarily mean impossible. We can assess your unique financial structure and identify suitable lending options based on your actual income.

Will speaking to a broker affect my credit score?

Generally, no. A mortgage broker application is typically a soft inquiry, which does not impact your credit score. We only submit a hard inquiry when we have a specific lender in mind.

How long does a home loan take?

The process typically takes between 4 to 8 weeks. We’ll keep you updated throughout the application and settlement process to ensure everything moves smoothly.

How many lenders do you work with?

We work with a range of lenders to give you more choice. We compare lending options across a panel of lenders to find the best solution for your specific circumstances.

Can you help me refinance?

Yes. We can review your current loan to see whether your existing loan still makes sense. We’ll look at your equity, interest rate, and potential break costs to find the best path forward.

Ready for a conversation?

bottom of page